eToro (ETOR) RSU sell-vs-hold
Calculator · free · no signup · ETORSell at vest or hold? Compare after-tax payout from selling eToro RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of ETOR today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in ETOR. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →About eToro
eToro (ETOR) is a public Fintech company, incorporated in D8. IPO'd May 14, 2025.
Last close: $39.02 per share (as of 2026-06-16).
HQ Israel; US-listed.
Equity grants at eToro typically include incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs).
eToro Group Ltd. is an Israeli multinational company that operates an electronic trading platform and social trading system. The company is organized in the British Virgin Islands and headquartered in Tel Aviv, with a United States headquarters in Hoboken, New Jersey.
Source: Wikipedia (CC BY-SA 4.0)
eToro, founded in 2007 by brothers Yoni and Ronen Assia along with David Ring in Tel Aviv, operates a multi-asset retail brokerage built around copy trading, where users mirror trades from selected investors across stocks, ETFs, and crypto. The company priced its IPO at $52 per share on May 14, 2025, listing on Nasdaq under ticker ETOR at a roughly $4.3 billion valuation. By full-year 2025, eToro reported 3.85 million funded accounts, $18.4 billion in assets under administration, and $216 million in GAAP net income across 75 countries.
Sources: cnbc.com · investors.etoro.com · timesofisrael.com
Equity comp at eToro
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by eToro.
eToro (ETOR) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 eToro (ETOR) RSUs vesting at $39.02 per share is $19,510 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$6,243), the post-tax share value is ~$13,267. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All eToro tools → · Use the generic RSU Sell-vs-Hold Calculator for any company.
eToro equity questions
- Should I sell or hold my eToro RSUs at vest?
- eToro restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does eToro grant ISOs, NSOs, or RSUs?
- Equity compensation at eToro typically takes the form of incentive stock options (ISOs), non-qualified stock options (NSOs), and restricted stock units (RSUs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise. Restricted stock units are taxed as ordinary income when they vest.
- When did the eToro IPO lockup expire?
- eToro (ETOR) went public on May 14, 2025. The standard post-IPO lockup runs 180 days, so employee and insider shares generally became sellable around November 10, 2025. Confirm against your own grant paperwork, since some lockups release early or in stages.
- Do eToro RSUs use double-trigger vesting?
- No. eToro restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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